A wholly-owned life insurance subsidiary of Midwest Holding, a company owned by 12,000 shareholders and growing.

The American Protector

This product is a unique ordinary life insurance policy that includes an annuity rider. It is designed to be paid up in 7 years, and it provides a level death benefit for that time period. The "American Protector" is being offered on a pre-selected basis by referrals utilizing the best method of advertising, "Word of Mouth."

The "American Protector" is a multi-benefit life insurance policy that combines cash value life insurance benefits with a tax deferred annuity that allows the owners of the contract to have a guaranteed life insurance benefit, with an opportunity to share in the success of the Company. This product provides substantial benefits if used for final expense, and it is permanent insurance, not term that expires as you age.

As you live you will:

  1. 1. Create a cash estate that will help provide future funds for any need that arises
  2. 2. Have flexibility to deposit additional funds into the annuity.
    • Allows additional deposits up to 10 times the annual premium to be dropped in the annuity rider each year after the annual premium is paid in full beginning in year one.Allows additional deposits up to 10 times the annual premium to be dropped in the annuity rider each year after the annual premium is paid in full beginning in year one.


In the event of death:

  1. Your beneficiaries will receive the face amount of your Life Insurance Contract, plus the accumulated value of your annuity.


In the event of unexpected difficulties, you may:

  1. Borrow cash from your life insurance contract and your annuity.*
  2. Surrender your contract for the accumulated cash value.*

* Early withdrawals off annuity earnings may result in taxable income and penalties.

The Board of Directors declares the annuity interest rate based upon the Company's success. The Board has established a guaranteed minimum of 1.5%, but has declared a current rate of 4%.

At retirement exchange your contract for a supplemental contract to provide monthly income for the rest of your life.